for a second. 49% of whites, aerd doing to "the washington post," kazer family foundation and harvard university, 40% of whites hold stocks, bonds or mutual funds. one half of that proportion, 25% of blacks, 16% of hispanics do. chris, you're a stockbroker. you wanted to be a stockbroker. this is what you got into. what does that statistic say to you? >> that says to me that african-americans are the minorities and just all americans right now, all americans, this is a time for all of us to become a lot more engaged in our own financial literacy, our own role in preparing for our retirements, and becoming a lot more active in, engaged in, and own being the responsibility of knowing. what that means is, especially in some communities, the discussion of the stock market, the discussion of the economy has got to be dinner table conversation. and i'm telling you, i believe this is going to happen. >> if is probably in our families, but christine, i interrupted you because you were talking about wealth building.